Decision routing configuration method and device, storage medium and electronic equipment

Abstract

The invention provides a decision routing configuration method and device, a storage medium and electronic equipment, and the method comprises the steps: obtaining a new decision link to be verified, the new decision link comprises at least one new decision expression, and the new decision link is used for carrying out the risk assessment of a credit activity transaction, performing grammar verification on each new decision expression of the new decision link based on a preset grammar rule, and if the new decision link passes the grammar verification, performing semantic verification on each new decision expression and at least one effective decision expression to obtain a verification result corresponding to the new decision link, the valid decision expressions are expressions corresponding to valid decision links included in the decision link set, and if the verification result indicates that semantic overlapping does not exist between all the new decision expressions and all the valid decision expressions, it is determined that the new decision expressions take effect. And the routing configuration and distribution accuracy of the transaction decision link is improved.

Description

Technical Field

[0001] The present specification relates to the field of computer technology, and more specifically, to a decision routing configuration method, device, storage medium and electronic device in the field of computer technology. Background Art

[0002] Nowadays, with the continuous development of the economy, in order to assess the risks of transactions, transaction parties conduct risk assessments on transactions through transaction decisions in risk control systems. However, the transaction decisions in the adopted risk control systems lack flexibility and real-time performance, and are inefficient, and are insufficient to meet the increasingly complex processing needs of transactions. Summary of the invention

[0003] The present specification provides a decision routing configuration method, device, storage medium and electronic device. The method can verify a newly created decision link to be verified based on the expression of an existing decision link, determine that the newly created decision link does not conflict with the existing decision link, and can perform risk assessment on credit activity transactions as an independent and complete decision link, thereby improving the accuracy of routing configuration and allocation of transaction decision links.

[0004] In a first aspect, a decision routing configuration method is provided, the method comprising:

[0005] Acquire a newly created decision link to be verified, wherein the newly created decision link includes at least one newly created decision expression, and the newly created decision link is used to perform risk assessment on a credit activity transaction;

[0006] Performing grammatical verification on each of the newly created decision expressions of the newly created decision link based on preset grammatical rules;

[0007] If the newly created decision link passes the syntax check, semantically check each of the newly created decision expressions with at least one effective decision expression to obtain a check result corresponding to the newly created decision link, where the effective decision expression is an expression corresponding to the effective decision link included in the decision link set;

[0008] If the verification result indicates that none of the newly created decision expressions has semantic overlap with any of the already effective decision expressions, it is determined that the newly created decision link is effective.

[0009] Through the above technical scheme, according to the newly-created decision link to be verified and at least one corresponding newly-created decision expression, after the newly-created decision link passes the grammatical verification of the grammatical rules, semantic verification can be performed based on each newly-created decision expression and the existing effective decision expressions. If the newly-created decision expression does not overlap with each effective decision expression, it is determined that the newly-created decision link is effective, thereby realizing verification of the newly-created decision link to be verified based on the expression of the existing decision link, determining that the newly-created decision link does not conflict with the existing decision link, and being able to perform risk assessment on credit activity transactions as an independent and complete decision link, thereby improving the accuracy of routing configuration and allocation of transaction decision links.

[0010] In conjunction with the first aspect, in some possible implementations, before obtaining the newly-built decision link to be verified, the method further includes:

[0011] Obtaining an effective decision expression of at least one effective decision link and a decision parameter of the newly created decision link;

[0012] The existing parameter values ​​of each of the effective decision expressions are obtained, and a new decision expression of the new decision link is generated based on each of the existing parameter values ​​and the decision parameters.

[0013] Through the above technical solution, a new decision expression corresponding to the new decision link is obtained based on the effective decision expression of at least one effective decision link and the decision parameters of the new decision link, so as to ensure that the new decision link can be recognized by the risk control system, and then ensure that the risk control system can use the new decision link for verification and application, and enable the subsequent judgment of the overlapping status of the new decision link based on the new decision expression.

[0014] In combination with the first aspect and the above implementations, in some possible implementations, the

[0015] Performing semantic verification on each of the newly created decision expressions and at least one effective decision expression to obtain a verification result corresponding to the newly created decision link includes:

[0016] Based on the parameter values ​​of each of the newly created decision expressions, matching is performed with the newly created decision expressions and the effective decision expressions respectively, and the number of expressions matching each of the parameter values ​​is determined;

[0017] If the number of expressions corresponding to each parameter value is one, then the verification result of each newly created decision expression is determined to be that there is no semantic overlap with each of the effective decision expressions;

[0018] If the number of the expressions is greater than one, it is determined that the verification result is that there is semantic overlap between the newly created decision expression and at least one of the effective decision expressions.

[0019] Through the above technical solution, the parameter values ​​of each newly created decision expression in the newly created decision link are obtained, and each parameter value is matched with the effective decision expression respectively to determine the number of expressions matching each parameter value, and the verification result of each newly created decision expression is determined according to the number of expressions, so as to avoid the existence of multiple decision links that can be used to process credit activity transactions, so as to ensure that credit activity transactions can be processed in a timely and accurate manner, and improve the accuracy of verification of newly created decision links.

[0020] In combination with the first aspect and the above implementation, in some possible implementations, the parameter values ​​based on each of the newly created decision expressions are matched with the newly created decision expressions and the effective decision expressions, respectively, to determine the number of expressions that match each of the parameter values, including:

[0021] Obtaining parameter values ​​of each of the newly created decision expressions;

[0022] Based on matching each of the parameter values ​​with the newly created decision expression and the effective decision expression, the number of expressions calculated using each of the parameter values ​​is determined.

[0023] In combination with the first aspect and the above implementation manner, in some possible implementation manners, before obtaining the newly-built decision link to be verified, the method further includes:

[0024] Acquire a newly added decision parameter, and determine the transaction type of the newly added decision parameter;

[0025] Determine parameter information of the newly added decision parameter, wherein the parameter information includes a parameter acquisition path, a parameter calculation method, and a value range definition;

[0026] A corresponding relationship between the newly added decision parameter and the decision transaction is established, and the newly added decision parameter and the transaction type are stored in a decision link set.

[0027] Through the above technical solution, by updating the newly created decision parameters, the timeliness and convenience of updating each decision link in the decision link set are improved.

[0028] In combination with the first aspect and the above implementation manner, in some possible implementation manners, a transaction identifier and transaction parameters of the transaction to be processed are obtained, and a target transaction type is determined based on the transaction identifier;

[0029] A transaction decision link set corresponding to the target transaction type is obtained, and the transaction decision link set is matched with each transaction decision link in the transaction decision link set based on the transaction parameter to determine the target decision link of the transaction to be processed.

[0030] Through the above technical solution, the target decision link that can process the transaction to be processed is determined according to the transaction identifier and transaction parameters of the transaction to be processed, thereby improving the accuracy of selecting the decision link and the efficiency of processing the transaction to be processed.

[0031] In combination with the first aspect and the above implementation manner, in some possible implementation manners, matching the transaction parameters with each transaction decision link in the transaction decision link set to determine the target decision link of the transaction to be processed includes:

[0032] parsing the transaction decision parameters of each transaction decision link in the transaction decision link set;

[0033] Based on matching the transaction parameter with each of the transaction decision parameters, a target decision link that uses the transaction parameter for calculation is determined in the transaction decision link set.

[0034] In a second aspect, a decision routing configuration device is provided, the device comprising:

[0035] A link acquisition unit, used to acquire a newly created decision link to be verified, wherein the newly created decision link includes at least one newly created decision expression, and the newly created decision link is used to perform risk assessment on a credit activity transaction;

[0036] A grammar checking unit, used for performing grammar checking on each of the newly created decision expressions of the newly created decision link based on preset grammar rules;

[0037] A semantic verification unit, configured to perform semantic verification on each of the newly created decision expressions and at least one effective decision expression if the newly created decision link passes the syntax verification, and obtain a verification result corresponding to the newly created decision link, wherein the effective decision expression is an expression corresponding to the effective decision link included in the decision link set;

[0038] The validation unit is used to determine that the newly created decision link is valid if the verification result indicates that none of the newly created decision expressions has semantic overlap with any of the already valid decision expressions.

[0039] According to a third aspect, a computer program product is provided, comprising: a computer program code, which, when executed on a computer, enables the computer to execute the method according to the first aspect or any possible implementation of the first aspect.

[0040] In a fourth aspect, a computer-readable storage medium is provided, which stores a computer program code. When the computer program code runs on a computer, the computer executes the method in the above-mentioned first aspect or any possible implementation manner of the first aspect.

[0041] According to a fifth aspect, an electronic device is provided, comprising: a processor and a memory; wherein the memory stores a computer program, and the computer program is suitable for being loaded by the processor and executing the steps of the above method. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] Figure 1 It is a system architecture diagram of a decision routing configuration method provided by an embodiment of this specification;

[0043] Figure 2 It is a flowchart of a decision routing configuration method provided by an embodiment of this specification;

[0044] Figure 3 It is a flowchart of a decision routing configuration method provided by an embodiment of this specification;

[0045] Figure 4 is an example schematic diagram of a generation expression provided by an embodiment of this specification;

[0046] Figure 5 It is a structural diagram of a decision routing configuration device provided in an embodiment of this specification;

[0047] Figure 6 It is a structural diagram of a decision routing configuration device provided in an embodiment of this specification;

[0048] Figure 7 It is a structural schematic diagram of an electronic device provided in an embodiment of this specification. DETAILED DESCRIPTION

[0049] The technical solutions in this specification will be described clearly and in detail below in conjunction with the accompanying drawings. In the description of the embodiments of this specification, unless otherwise specified, " / " means or, for example, A / B can mean A or B: "and / or" in the text is only a description of the association relationship of associated objects, indicating that there can be three relationships, for example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. In addition, in the description of the embodiments of this specification, "multiple" means two or more than two.

[0050] In the following, the terms "first" and "second" are used for descriptive purposes only and are not to be understood as suggesting or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of the features.

[0051] Figure 1 is a system architecture diagram of a decision routing configuration method provided by an embodiment of this specification. Figure 1As shown, the decision routing configuration method provided in the embodiment of this specification can be applied to a terminal device to implement the process of routing configuration of a decision link. The system structure provided in the embodiment of this specification mainly includes a terminal device 10 and a user 20. The terminal device 10 can be a device with a data processing function, such as a personal computer, a smart phone, a tablet computer, and the like.

[0052] In the related art, when risk assessment of transactions is performed based on transaction decisions, the transaction decisions used have fixed execution rules and conflicts exist between multiple transaction decisions, resulting in insufficient flexibility and real-time performance, low efficiency, and defects guided by prior experience when risk assessment of transactions is performed. The risk assessment results of transactions are not accurate enough.

[0053] According to the embodiment of the present specification, the user 20 inputs the newly created decision link to be verified and at least one newly created decision expression in the newly created decision link to the terminal device 10. The method for the user to input the newly created decision link can be manual input or a pre-set acquisition link in the terminal device 10. The terminal device 10 obtains the newly created decision link according to the acquisition link, and performs a grammatical check on the newly created decision link based on a preset grammatical rule. After the grammar of the newly created decision link passes the check, the terminal device 10 obtains at least one effective decision expression of an effective decision link in the stored decision link set, performs a semantic check on each newly created decision expression with at least one effective decision expression, and obtains the check result of the newly created decision expression with the effective decision expression. If the check result indicates that the newly created decision expression does not overlap with each effective decision expression, it is determined that the newly created decision link is effective, so that the newly created decision link to be verified is checked according to the expression of the existing decision link, and it is determined that the newly created decision link does not conflict with the existing decision link, and can be used as an independent and complete decision link to perform risk assessment on credit activity transactions, thereby improving the accuracy of routing configuration and allocation of transaction decision links.

[0054] based on Figure 1 The system architecture shown below will be combined with Figure 2-Figure 4 , the decision routing configuration method provided in the embodiments of this specification is introduced in detail.

[0055] See also Figure 2 , which is a flowchart of a decision-making routing configuration method according to an embodiment of this specification. Figure 2 As shown, the method of the embodiment of this specification may include the following steps S102 to S108.

[0056] S102, obtaining a new decision link to be verified;

[0057] In one embodiment, a newly created decision link to be verified is obtained. The newly created decision link may be used for risk assessment of credit activity transactions. Credit activity transactions may be transactions involving credit activities, such as credit granting, credit limit increase, etc. The newly created decision link may be a decision link newly created by a user, or may be a decision link after modifying an existing decision link. The newly created decision link includes at least one newly created decision expression. The newly created decision expression may be an expression representing decision parameters involved in risk assessment of credit activity transactions.

[0058] The decision parameters may be the parameter path, solution method and range definition included in the newly created decision link. The parameter path may be the path used to obtain the specific parameters of the newly created decision link. The solution method may be the calculation method used by the newly created decision link to calculate the decision parameters. The range definition may be the range of values ​​obtained after the newly created decision link calculates the decision parameters.

[0059] S104, performing grammatical verification on each newly created decision expression of the newly created decision link based on preset grammatical rules;

[0060] In one embodiment, each newly created decision expression in the newly created decision link is syntax-checked based on preset syntax rules. The syntax rules may be rules pre-created by the risk control system and used to check the syntax in the decision link. The risk system may be a system for processing credit activity transactions.

[0061] Specifically, the method for performing grammatical verification on the newly created decision expression may be: based on the link type of the newly created decision link, determine the grammatical rule corresponding to the newly created decision link, perform grammatical verification on the parameter type and operation identifier of each newly created decision expression in the newly created decision link according to the grammatical rule, and determine whether the newly created decision expression complies with the grammatical rule. For example, if the link type of the newly created decision link is an addition operation, the corresponding grammatical rule may be to determine whether the parameter type in the newly created decision expression includes addends and augends, and whether the operation identifier is "+" representing the addition operation.

[0062] S106, if the newly created decision link passes the syntax check, semantically check each newly created decision expression with at least one effective decision expression to obtain a check result corresponding to the newly created decision link;

[0063] In one embodiment, if the newly created decision link passes the syntax check of the syntax rules, at least one effective decision expression stored in the risk control system is obtained. The effective decision expression may be an expression corresponding to the effective decision link included in the decision link set. The decision link set may be a set of decision links stored in the risk control system. The effective decision link may be a decision link included in the decision link set. Each newly created decision expression is semantically checked with the effective decision expression to determine the check result between the newly created decision expression and the effective decision expression. The semantic check may be semantic identification of the decision parameters in the newly created decision expression, and semantic overlap judgment between the newly created decision expression and the effective decision expression. It can be understood that if the risk control system cannot identify the semantics of the decision parameters in the newly created decision expression, data processing cannot be performed according to the newly created decision expression. If the semantics of the newly created decision expression can be identified by the risk control system, a semantic overlap judgment is performed. The check result may indicate whether there is semantic overlap between the newly created decision expression and the effective decision expression. If the stored semantic overlap indicates that the newly created decision expression and the effective decision expression can handle the same credit activity transaction.

[0064] Specifically, the method for obtaining the verification result of the newly created decision link can be: semantically verifying any newly created decision expression with all the effective decision expressions included in the decision link set; after completing the newly created decision expression, semantically verifying other newly created decision expressions in the newly created decision link, until all newly created decision expressions in the newly created decision link are semantically verified with the effective decision expressions, thereby completing the semantic verification of the newly created decision link and obtaining the verification result of the newly created decision link.

[0065] S108, if the verification result indicates that each newly created decision expression has no semantic overlap with each valid decision expression, then determining that the newly created decision link is valid;

[0066] In one embodiment, if the verification result indicates that the newly created decision expressions of the newly created decision link do not have semantic overlap with the effective decision expressions, then the newly created decision link corresponding to the newly created decision expression can be considered as the only decision link in the decision link set that performs risk assessment on a certain credit activity transaction, and the newly created decision link is determined to be effective.

[0067] In the embodiments of the present specification, according to the newly-created decision link to be verified and at least one corresponding newly-created decision expression, after the newly-created decision link passes the grammatical verification of the grammatical rules, a semantic verification is performed based on each newly-created decision expression and the existing effective decision expressions. If the newly-created decision expression does not overlap with each effective decision expression, it is determined that the newly-created decision link is effective, thereby realizing the verification of the newly-created decision link to be verified based on the expression of the existing decision link, determining that the newly-created decision link does not conflict with the existing decision link, and being able to perform risk assessment on credit activity transactions as an independent and complete decision link, thereby improving the accuracy of routing configuration and allocation of transaction decision links.

[0068] The following will be combined Figure 3 A specific example of a decision routing configuration method provided in an embodiment of this specification is described in detail.

[0069] S202, obtaining a newly created decision link to be verified;

[0070] In one embodiment, a newly created decision link to be verified is obtained. The newly created decision link may be used for risk assessment of credit activity transactions. Credit activity transactions may be transactions involving credit activities, such as credit granting, credit limit increase, etc. The newly created decision link may be a decision link newly created by a user, or may be a decision link after modifying an existing decision link. The newly created decision link includes at least one newly created decision expression. The newly created decision expression may be an expression representing decision parameters involved in risk assessment of credit activity transactions. The decision parameters may be parameters in the newly created decision link used for risk assessment of credit activity transactions.

[0071] The decision parameters may be the parameter path, solution method and range definition included in the newly created decision link. The parameter path may be the path used to obtain the specific parameters of the newly created decision link. The solution method may be the calculation method used by the newly created decision link to calculate the decision parameters. The range definition may be the range of values ​​obtained after the newly created decision link calculates the decision parameters.

[0072] It can be understood that, since the newly created decision link is constructed based on at least one newly created decision expression, the newly created decision link can be created by creating at least one newly created decision expression and then constructed based on each newly created decision expression.

[0073] Specifically, a feasible method for creating a new decision expression may be: obtaining at least one effective decision link in the decision link set of the risk control system, obtaining the effective decision expressions of each effective decision link, the effective decision expression may be an expression that characterizes the method adopted by the effective decision link to perform risk assessment on credit activity transactions, obtaining existing parameter values ​​of each effective decision expression, the existing parameter values ​​may be parameter values ​​involved in the operation of each effective decision expression, in order to avoid conflicts between the new decision expression and the existing parameter values ​​of each effective decision expression, obtaining the value range of each second decision parameter, the value range may be a parameter range for setting a threshold definition, for example, an integer from 0 to 10, etc., generating a new decision expression for the new decision link based on the existing parameter values ​​and decision parameters, the new decision expression may be an expression corresponding to the new decision link.

[0074] Specifically, based on the existing parameter values ​​and decision parameters, a method for generating a new decision expression for a new decision link can be: based on the existing decision expressions that use the existing parameter values ​​and the parameter value range, determine the parameter value range of the new decision expression, and based on the solution method and value domain definition in the decision parameters, transform the new decision link to generate a new decision expression.

[0075] For example, Figure 4 As shown, Figure 4 The effective decision expressions "variable IN[1,2]", "variable IN[4]" and "variable IN[5]" corresponding to the three effective decision links "effective decision link 1", "effective decision link 2" and "effective decision link 3" are included. The parameter value range of each effective decision expression includes 1, 2, 4, 5, and 6. Based on the effective decision expressions, the new decision expression is determined to be "variable: IN[!1, !2, !4, !5]".

[0076] S204, performing grammatical verification on each newly created decision expression of the newly created decision link based on preset grammatical rules;

[0077] In one embodiment, each newly created decision expression in the newly created decision link is syntax-checked based on preset syntax rules. The syntax rules may be rules pre-created by the risk control system and used to check the syntax in the decision link. The risk system may be a system for processing credit activity transactions.

[0078] Specifically, the method for performing grammatical verification on the newly created decision expression may be: based on the link type of the newly created decision link, determine the grammatical rule corresponding to the newly created decision link, perform grammatical verification on the parameter type and operation identifier of each newly created decision expression in the newly created decision link according to the grammatical rule, and determine whether the newly created decision expression complies with the grammatical rule. For example, if the link type of the newly created decision link is an addition operation, the corresponding grammatical rule may be to determine whether the parameter type in the newly created decision expression includes addends and augends, and whether the operation identifier is "+" representing the addition operation.

[0079] S206, if the newly created decision link passes the syntax check, then based on the parameter values ​​of each newly created decision expression, the newly created decision expression and the effective decision expression are matched respectively to determine the number of expressions that match each parameter value;

[0080] In one embodiment, if the newly created decision link passes the syntax check, the parameter value of the newly created decision expression is obtained. The parameter value may be the value used for calculation in the decision parameter. The newly created decision expressions and the effective decision expressions are matched based on the parameter values ​​to determine the number of expressions matching each parameter value. The number of expressions may represent the number of expressions in the newly created decision expression and the effective decision expression that can be calculated according to the parameter value, thereby determining the verification result between the newly created decision expression and the effective decision expression. The verification result may indicate whether there is semantic overlap between the newly created decision expression and the effective decision expression. If semantic overlap is stored, it represents that the newly created decision expression and the effective decision expression can handle the same credit activity transaction.

[0081] Specifically, the method for matching the newly created decision expression and the effective decision expression can be: matching the newly created decision expression and each effective decision expression according to the parameter value respectively, and determining the number of decision expressions that use the parameter value for calculation. For example, the parameter value range is 1, 2, 4, 5, 6, a, b, c, and the effective decision expression includes "variable IN[1,2]", "variable IN[4]" and "variable IN[5]". If the parameter value is a, 3, 6, and the newly created decision expression is "variable: IN[!1, !2, !4, !5]", it can be determined that the parameter value of the newly created decision expression matches, and the decision expression that uses the parameter value for calculation is only the newly created decision expression, so the number of expressions is 1; if the decision parameter value is 1, 3, 6, it can be determined that the parameter value of the newly created decision expression matches, and the decision expression that uses the parameter value for calculation includes the newly created decision expression and the "variable IN[1,2]" in the effective decision expression, and the number of expressions is 2.

[0082] Specifically, the method for obtaining the verification result of the newly created decision link can be: semantically verifying any newly created decision expression with all the effective decision expressions included in the decision link set; after completing the newly created decision expression, semantically verifying other newly created decision expressions in the newly created decision link, until all newly created decision expressions in the newly created decision link are semantically verified with the effective decision expressions, thereby completing the semantic verification of the newly created decision link and obtaining the verification result of the newly created decision link.

[0083] Furthermore, if the newly created decision link fails the syntax check, a prompt message is generated and output to prompt the user that the syntax used in the newly created decision link does not conform to the syntax system used by the risk control system, and the user is advised to modify the syntax of the newly created decision link.

[0084] S208, if the number of expressions is one, determining that the verification result of the newly created decision expression is that there is no semantic overlap with any of the already effective decision expressions;

[0085] In one embodiment, if the number of expressions is one, the verification result of determining the newly created decision expression is that each newly created decision expression does not overlap with the effective decision expressions of each effective decision link in the decision link set. Therefore, the newly created decision link can be considered as an independent decision link. When processing a credit activity transaction, the decision link selected is the newly created decision link, and the effective decision link will not be selected. When processing a credit activity transaction, a unique and accurate decision link can be used to process the credit activity transaction, avoiding the situation where the decision link cannot be accurately selected for processing due to the existence of multiple decision links that can be used to process the credit activity transaction, thereby ensuring that the credit activity transaction can be processed in a timely and accurate manner.

[0086] Furthermore, in addition to matching based on parameter values, matching can also be performed based on the link identifier set by the user. If the link identifier of the newly created decision link is the same as the link identifier of the effective decision link, it is considered that there is a conflict between the newly created decision link and the effective decision link, and the newly created decision link is an unavailable decision link.

[0087] Furthermore, if the number of expressions is greater than one, the verification result is determined to be that there is semantic overlap between the newly created decision expression and at least one already effective decision expression, indicating that there is semantic overlap between at least one newly created decision expression and at least one already effective decision expression in the newly created decision link. If the newly created decision link is used to process credit activity transactions, it will result in an inability to determine whether to select the newly created decision link or the already effective link process corresponding to the effective decision expression for processing. Therefore, in order to avoid the inability to select the accurate decision link to process the credit activity transaction due to the existence of multiple decision links that can be used to process credit activity transactions, the newly created decision link corresponding to the newly created decision expression is marked as unavailable.

[0088] S210, determining that the newly created decision link is effective;

[0089] In one embodiment, if the verification result of the newly created decision link indicates that none of the newly created decision expressions in the newly created decision link has semantic overlap with the effective decision expressions, then the newly created decision link is determined to be effective to complete the decision routing configuration, and then the risk control system can use the newly created decision link to process credit activity transactions.

[0090] Furthermore, the newly-created decision link that takes effect is stored in a decision link set in the risk control system, so that the risk control system can select an accurate decision link from the decision link set to process credit activity transactions.

[0091] Furthermore, in addition to verifying newly created or updated decision links, the risk control system can also manage various decision parameters in the risk control system.

[0092] Specifically, the method for managing decision parameters may be: obtaining newly added decision parameters, determining the transaction type of the newly added decision parameters, determining parameter information of the newly added decision parameters, the parameter information including the parameter acquisition path, parameter calculation method and value range definition, establishing a correspondence between the newly added decision parameters and the decision transaction, and storing the newly added decision parameters and the transaction type in the decision link set. Among them, the newly added decision parameters may be newly created decision parameters, or may be decision parameters obtained by modifying existing decision parameters in the decision link set. It is understandable that by establishing a correspondence between the newly added decision parameters and the decision transaction, when processing the credit activity transaction according to the decision link in the decision link set, the corresponding decision parameters can be obtained according to the link identifier of the decision link.

[0093] S212, obtaining a transaction identifier and transaction parameters of the transaction to be processed, and determining a target transaction type based on the transaction identifier;

[0094] In one embodiment, the transaction identifier and transaction parameters of the pending transaction are obtained. The pending transaction may be a credit activity transaction that needs to be processed. The transaction identifier may be a transaction type that characterizes the pending transaction, such as a credit limit increase, credit grant, etc. The transaction parameters may be relevant parameters used to provide calculations in the pending transaction, such as the user's historical transaction records, income status, etc. The target transaction type of the pending transaction is determined based on the transaction identifier.

[0095] S214, obtaining a transaction decision link set corresponding to the target transaction type, matching the transaction decision links in the transaction decision link set based on the transaction parameters, and determining a target decision link for the transaction to be processed;

[0096] In one embodiment, a transaction decision link set corresponding to the target transaction type is obtained from a decision link set of a risk control system, wherein the transaction decision link set includes at least one decision link related to a transaction identifier. Based on transaction parameters, the transaction decision links in the transaction decision link set are matched to determine a target decision link corresponding to the brought out transaction, so as to use the target decision link to process the transaction to be processed.

[0097] Specifically, the method for matching each transaction decision link in the transaction decision link set based on the transaction parameters can be: parsing the transaction decision parameters of each transaction decision link in the transaction decision link set, matching each transaction decision parameter based on the transaction parameters, and determining the target decision link in the transaction decision link set that applies the transaction parameters for calculation. Among them, the specific method for matching the target decision link based on the transaction parameters can refer to the content of determining the number of expressions in step S206, which will not be repeated here. It can be understood that since the decision links in the decision link set do not overlap with each other, the determined target decision link is a unique and accurate decision link.

[0098] In the embodiment of the present specification, according to the newly-created decision link to be verified and at least one corresponding newly-created decision expression, after the newly-created decision link passes the syntax verification of the syntax rules, the semantic verification is performed according to each newly-created decision expression and the existing effective decision expression. If the newly-created decision expression does not overlap with each effective decision expression, it is determined that the newly-created decision link is effective, thereby realizing the verification of the newly-created decision link to be verified according to the expression of the existing decision link, determining that the newly-created decision link does not conflict with the existing decision link, and can be used as an independent and complete decision link to conduct risk assessment on the credit activity transaction, thereby improving the accuracy of the routing configuration and allocation of the transaction decision link. In addition, by updating the newly-created decision parameters, the timeliness and convenience of updating each decision link in the decision link set are improved. Further, according to the transaction identifier and transaction parameters of the transaction to be processed, the target decision link that can process the transaction to be processed is determined, thereby improving the accuracy of selecting the decision link and the efficiency of processing the transaction to be processed.

[0099] based on Figure 1 The system architecture will be combined with Figure 5 and Figure 6 , the decision routing configuration device provided in the embodiment of this specification is introduced in detail. It should be noted that, Figure 5 The decision routing configuration device 1 is used to execute this specification Figure 2-Figure 4 For the convenience of explanation, only the part related to the embodiment of this specification is shown. For the specific technical details not disclosed, please refer to this specification. Figure 2-Figure 4 The embodiment shown.

[0100] A link acquisition unit 11 is used to acquire a newly created decision link to be verified, wherein the newly created decision link includes at least one newly created decision expression, and the newly created decision link is used to perform risk assessment on a credit activity transaction;

[0101] A grammar checking unit 12, configured to perform grammar checking on each of the newly created decision expressions of the newly created decision link based on preset grammar rules;

[0102] A semantic verification unit 13 is used to perform semantic verification on each of the newly created decision expressions and at least one effective decision expression if the newly created decision link passes the syntax verification, and obtain a verification result corresponding to the newly created decision link, wherein the effective decision expression is an expression corresponding to the effective decision link included in the decision link set;

[0103] The validation unit 14 is configured to determine that the newly created decision link is valid if the verification result indicates that none of the newly created decision expressions has semantic overlap with any of the already valid decision expressions.

[0104] Optional, such as Figure 6 As shown, the decision routing configuration device 1 also includes an expression generation unit 14, which is also used for:

[0105] Obtaining an effective decision expression of at least one effective decision link and a decision parameter of the newly created decision link;

[0106] The existing parameter values ​​of each of the effective decision expressions are obtained, and a new decision expression of the new decision link is determined based on each of the existing parameter values.

[0107] Optionally, the semantic verification unit 13 is further used for:

[0108] Based on the parameter values ​​of each of the newly created decision expressions, the newly created decision expressions and the effective decision expressions are matched respectively to determine the number of expressions that match each of the parameter values;

[0109] If the number of expressions corresponding to each parameter value is one, then the verification result of each newly created decision expression is determined to be that there is no semantic overlap with each of the effective decision expressions;

[0110] If the number of the expressions is greater than one, it is determined that the verification result is that there is semantic overlap between the newly created decision expression and at least one of the effective decision expressions.

[0111] Optionally, the semantic verification unit 13 is further used for:

[0112] Obtaining parameter values ​​of each of the newly created decision expressions;

[0113] Based on matching each of the parameter values ​​with the newly created decision expression and the effective decision expression, the number of expressions calculated using each of the parameter values ​​is determined.

[0114] Optionally, the decision routing configuration device 1 further includes a parameter updating unit 16, which is used to:

[0115] Acquire a newly added decision parameter, and determine the transaction type of the newly added decision parameter;

[0116] Determine parameter information of the newly added decision parameter, wherein the parameter information includes a parameter acquisition path, a parameter calculation method, and a value range definition;

[0117] A corresponding relationship between the newly added decision parameter and the decision transaction is established, and the newly added decision parameter and the transaction type are stored in a decision link set.

[0118] Optional, such as Figure 6 As shown, the decision routing configuration device 1 further includes a link application unit 17, which is used to:

[0119] Obtaining a transaction identifier and transaction parameters of a transaction to be processed, and determining a target transaction type based on the transaction identifier;

[0120] A transaction decision link set corresponding to the target transaction type is obtained, and the transaction decision link set is matched with each transaction decision link in the transaction decision link set based on the transaction parameter to determine the target decision link of the transaction to be processed.

[0121] Optionally, the link application unit 17 is further configured to:

[0122] parsing the transaction decision parameters of each transaction decision link in the transaction decision link set;

[0123] Based on matching the transaction parameter with each of the transaction decision parameters, a target decision link that uses the transaction parameter for calculation is determined in the transaction decision link set.

[0124] In the embodiment of the present specification, according to the newly-created decision link to be verified and at least one corresponding newly-created decision expression, after the newly-created decision link passes the syntax verification of the syntax rules, the semantic verification is performed according to each newly-created decision expression and the existing effective decision expression. If the newly-created decision expression does not overlap with each effective decision expression, it is determined that the newly-created decision link is effective, thereby realizing the verification of the newly-created decision link to be verified according to the expression of the existing decision link, determining that the newly-created decision link does not conflict with the existing decision link, and can be used as an independent and complete decision link to conduct risk assessment on the credit activity transaction, thereby improving the accuracy of the routing configuration and allocation of the transaction decision link. In addition, by updating the newly-created decision parameters, the timeliness and convenience of updating each decision link in the decision link set are improved. Further, according to the transaction identifier and transaction parameters of the transaction to be processed, the target decision link that can process the transaction to be processed is determined, thereby improving the accuracy of selecting the decision link and the efficiency of processing the transaction to be processed.

[0125] The present specification also provides a computer storage medium that can store multiple program instructions, which are suitable for being loaded and executed by a processor as described above. Figure 1-Figure 4 The method steps of the embodiment shown in the figure can be found in the specific implementation process. Figure 1-Figure 4 The specific description of the illustrated embodiment will not be repeated here.

[0126] The embodiment of the present specification also provides a computer program product, which stores at least one instruction, and the at least one instruction is loaded and executed by the processor as described above. Figure 1-Figure 4 The item recommendation model training method of the embodiment shown in the figure can be found in the specific execution process. Figure 1-Figure 4 The specific description of the illustrated embodiment will not be repeated here.

[0127] See also Figure 7 , is a schematic diagram of the structure of an electronic device provided in the embodiment of this specification. Figure 7 As shown, the electronic device 1000 may include: at least one processor 1001, such as a CPU, at least one network interface 1004, an input / output interface 1003, a memory 1005, and at least one communication bus 1002. The communication bus 1002 is used to realize the connection and communication between these components. The network interface 1004 may optionally include a standard wired interface or a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as at least one disk storage. The memory 1005 may optionally be at least one storage device located away from the aforementioned processor 1001. As shown in FIG. Figure 7As shown, the memory 1005 as a computer storage medium may include an operating system, a network communication module, an input and output interface module, and a decision routing configuration application.

[0128] exist Figure 7 In the electronic device 1000 shown, the input-output interface 1003 is mainly used to provide an input interface for the user and obtain data input by the user.

[0129] In one embodiment, the processor 1001 may be used to call a decision routing configuration application stored in the memory 1005, and specifically perform the following operations:

[0130] Acquire a newly created decision link to be verified, wherein the newly created decision link includes at least one newly created decision expression, and the newly created decision link is used to perform risk assessment on a credit activity transaction;

[0131] Performing grammatical verification on each of the newly created decision expressions of the newly created decision link based on preset grammatical rules;

[0132] If the newly created decision link passes the syntax check, semantically check each of the newly created decision expressions with at least one effective decision expression to obtain a check result corresponding to the newly created decision link, where the effective decision expression is an expression corresponding to the effective decision link included in the decision link set;

[0133] If the verification result indicates that none of the newly created decision expressions has semantic overlap with any of the already effective decision expressions, it is determined that the newly created decision link is effective.

[0134] Optionally, before obtaining the new decision link to be verified, the processor 1001 further performs the following operations:

[0135] Obtaining an effective decision expression of at least one effective decision link and a decision parameter of the newly created decision link;

[0136] The existing parameter values ​​of each of the effective decision expressions are obtained, and a new decision expression of the new decision link is determined based on each of the existing parameter values.

[0137] Optionally, when performing semantic verification on each of the newly created decision expressions and at least one effective decision expression to obtain the verification result corresponding to the newly created decision link, the processor 1001 specifically performs the following operations:

[0138] Based on the parameter values ​​of each of the newly created decision expressions, the newly created decision expressions and the effective decision expressions are matched respectively to determine the number of expressions that match each of the parameter values;

[0139] If the number of expressions corresponding to each parameter value is one, then the verification result of each newly created decision expression is determined to be that there is no semantic overlap with each of the effective decision expressions;

[0140] If the number of the expressions is greater than one, it is determined that the verification result is that there is semantic overlap between the newly created decision expression and at least one of the effective decision expressions.

[0141] Optionally, when the processor 1001 performs matching based on the parameter values ​​of each newly created decision expression with the newly created decision expression and the effective decision expression, and determines the number of expressions that match each parameter value, the processor 1001 specifically performs the following operations:

[0142] Obtaining parameter values ​​of each of the newly created decision expressions;

[0143] Based on matching each of the parameter values ​​with the newly created decision expression and the effective decision expression, the number of expressions calculated using each of the parameter values ​​is determined.

[0144] Optionally, before obtaining the decision link to be verified, the processor 1001 further performs the following operations:

[0145] Acquire a newly added decision parameter, and determine the transaction type of the newly added decision parameter;

[0146] Determine parameter information of the newly added decision parameter, wherein the parameter information includes a parameter acquisition path, a parameter calculation method, and a value range definition;

[0147] A corresponding relationship between the newly added decision parameter and the decision transaction is established, and the newly added decision parameter and the transaction type are stored in a decision link set.

[0148] Optionally, the processor 1001 further performs the following operations:

[0149] Obtaining a transaction identifier and transaction parameters of a transaction to be processed, and determining a target transaction type based on the transaction identifier;

[0150] A transaction decision link set corresponding to the target transaction type is obtained, and the transaction decision link set is matched with each transaction decision link in the transaction decision link set based on the transaction parameter to determine the target decision link of the transaction to be processed.

[0151] Optionally, when the processor 1001 matches the transaction parameters with each transaction decision link in the transaction decision link set to determine the target decision link of the transaction to be processed, the processor 1001 specifically performs the following operations:

[0152] parsing the transaction decision parameters of each transaction decision link in the transaction decision link set;

[0153] Based on matching the transaction parameter with each of the transaction decision parameters, a target decision link that uses the transaction parameter for calculation is determined in the transaction decision link set.

[0154] In the embodiment of the present specification, according to the newly-created decision link to be verified and at least one corresponding newly-created decision expression, after the newly-created decision link passes the syntax verification of the syntax rules, the semantic verification is performed according to each newly-created decision expression and the existing effective decision expression. If the newly-created decision expression does not overlap with each effective decision expression, it is determined that the newly-created decision link is effective, thereby realizing the verification of the newly-created decision link to be verified according to the expression of the existing decision link, determining that the newly-created decision link does not conflict with the existing decision link, and can be used as an independent and complete decision link to conduct risk assessment on the credit activity transaction, thereby improving the accuracy of the routing configuration and allocation of the transaction decision link. In addition, by updating the newly-created decision parameters, the timeliness and convenience of updating each decision link in the decision link set are improved. Further, according to the transaction identifier and transaction parameters of the transaction to be processed, the target decision link that can process the transaction to be processed is determined, thereby improving the accuracy of selecting the decision link and the efficiency of processing the transaction to be processed.

[0155] A person skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium, and when the program is executed, it can include the processes of the embodiments of the above-mentioned methods. The storage medium can be a disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc.

[0156] The above disclosure is only the preferred embodiment of this specification, which certainly cannot be used to limit the scope of rights of this specification. Therefore, equivalent changes made according to the claims of this specification are still within the scope covered by this specification.

Claims

1. A decision routing configuration method, the method comprising: Acquire a newly created decision link to be verified, wherein the newly created decision link includes at least one newly created decision expression, and the newly created decision link is used to perform risk assessment on a credit activity transaction; Performing grammatical verification on each of the newly created decision expressions of the newly created decision link based on preset grammatical rules; If the newly created decision link passes the syntax check, semantically check each of the newly created decision expressions with at least one effective decision expression to obtain a check result corresponding to the newly created decision link, where the effective decision expression is an expression corresponding to the effective decision link included in the decision link set; If the verification result indicates that none of the newly created decision expressions has semantic overlap with any of the already effective decision expressions, it is determined that the newly created decision link is effective.

2. The method according to claim 1, before obtaining the newly-built decision link to be verified, further comprising: Obtaining an effective decision expression of at least one effective decision link and a decision parameter of the newly created decision link; The existing parameter values ​​of each of the effective decision expressions are obtained, and a new decision expression of the new decision link is generated based on each of the existing parameter values ​​and the decision parameters.

3. According to the method of claim 1, the semantic verification of each of the newly created decision expressions with at least one effective decision expression to obtain the verification result corresponding to the newly created decision link comprises: Based on the parameter values ​​of each of the newly created decision expressions, matching is performed with the newly created decision expressions and the effective decision expressions respectively, and the number of expressions matching each of the parameter values ​​is determined; If the number of expressions corresponding to each parameter value is one, then the verification result of each newly created decision expression is determined to be that there is no semantic overlap with each of the effective decision expressions; If the number of the expressions is greater than one, it is determined that the verification result is that there is semantic overlap between the newly created decision expression and at least one of the effective decision expressions.

4. The method according to claim 3, wherein the parameter values ​​of each newly created decision expression are matched with the newly created decision expression and the effective decision expression respectively, and the number of expressions matching each parameter value is determined, including: Obtaining parameter values ​​of each of the newly created decision expressions; Based on matching each of the parameter values ​​with the newly created decision expression and the effective decision expression, the number of expressions calculated using each of the parameter values ​​is determined.

5. The method according to claim 1, before obtaining the newly-built decision link to be verified, further comprises: Acquire a newly added decision parameter, and determine the transaction type of the newly added decision parameter; Determine parameter information of the newly added decision parameter, wherein the parameter information includes a parameter acquisition path, a parameter calculation method, and a value range definition; A corresponding relationship between the newly added decision parameter and the decision transaction is established, and the newly added decision parameter and the transaction type are stored in a decision link set.

6. The method according to claim 1, further comprising: Obtaining a transaction identifier and transaction parameters of a transaction to be processed, and determining a target transaction type based on the transaction identifier; A transaction decision link set corresponding to the target transaction type is obtained, and the transaction decision link set is matched with each transaction decision link in the transaction decision link set based on the transaction parameter to determine the target decision link of the transaction to be processed.

7. The method according to claim 6, wherein the step of matching the transaction parameters with each transaction decision link in the transaction decision link set to determine the target decision link of the transaction to be processed comprises: parsing the transaction decision parameters of each transaction decision link in the transaction decision link set; Based on matching the transaction parameter with each of the transaction decision parameters, a target decision link that uses the transaction parameter for calculation is determined in the transaction decision link set.

8. A decision routing configuration device, the device comprising: A link acquisition unit, used to acquire a newly created decision link to be verified, wherein the newly created decision link includes at least one newly created decision expression, and the newly created decision link is used to perform risk assessment on a credit activity transaction; A grammar checking unit, used for performing grammar checking on each of the newly created decision expressions of the newly created decision link based on preset grammar rules; A semantic verification unit, configured to perform semantic verification on each of the newly created decision expressions and at least one effective decision expression if the newly created decision link passes the syntax verification, and obtain a verification result corresponding to the newly created decision link, wherein the effective decision expression is an expression corresponding to the effective decision link included in the decision link set; The validation unit is used to determine that the newly created decision link is valid if the verification result indicates that none of the newly created decision expressions has semantic overlap with any of the already valid decision expressions.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program code, and when the computer program code is executed, the method according to any one of claims 1 to 7 is implemented.

10. An electronic device comprising: A processor and a memory; wherein the memory stores a computer program, and the computer program is suitable for being loaded by the processor and executing the steps of the method as claimed in any one of claims 1 to 7.

11. A computer program product having at least one instruction stored thereon, wherein when the at least one instruction is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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